Frequently Asked Questions

Why should I choose Shubham Properties?

Founded in 1971 by dynamic business leaders, Shubham Properties has helped more than 1 lakh+ people to find their dream homes, villas & offices through the efforts of our dedicated employees. Our commitment towards assisting people in their home buying process has been encouraged with generous investments from investors.

What kind of properties are listed on your website?

We list a range of residential & commercial real estate properties including houses, offices, villas and plots through our web and mobile platform. Our listings include everything from new, resale, under construction and upcoming properties.

When can I apply for a home loan?

Apply for a home loan once you have finalised the property to be purchased or constructed. Make sure you do the research about the type of loan you need and follow the checklist:-

  • How much deposit do you have?
  • What are the processing charges for the loan?
  • What is the interest rate
  • What’s the best type of loan for you
What is the basic procedure of taking home loan & what are the eligibility criteria?

Home loan eligibility depends upon

  • Stability of income
  • Profession or nature of business
  • Age of the loan seeker
  • Credit score
  • Attributes of the property
  • Your relation with the bank &
  • Company you work in.

Usually, all banks provide home loans up to 60 times of your monthly net income.

Before purchasing property owned by a company, what aspects should be considered?

Before purchasing property from a company, it is necessary to verify with the Registrar of Companies that the property is not mortgaged or is not being used as a security against a loan, otherwise it is not considered a freehold property.

In which cities/areas do you offer your services?

Our services are available across six regions in India, namely Karnal, Haryana, Noida, Gurgaon, Delhi, Chandigarh and PunchKula.

Who should I contact in case I face any issues?

We have a dedicated customer care service team, which is available at your service seven days a week from 9:00 am to 9:00 pm. You can call them on 9813011747 or mail customer service at [email protected].

How soon would I receive a response from you after placing my requirement?

You would receive a call back from us within 10-15 minutes of placing your enquiry with us, provided you have posted your requirements between 9am and 9 pm. Otherwise, we would be reaching you the next day.

I plan to buy a house worth Rs 30 lakh. My monthly salary is Rs 20,000 and I will retire in another 3 years. Am I eligible for a home loan?

Your loan eligibility will depend on whether you have pension benefits or not. And, as the loan amount is high compared to your salary, individual banks will have different calculations.

Can one sell the property even when the home loan is outstanding?

It is possible to sell the property even if there is outstanding home loan amount, provided the process is followed-

  • Obtain an NOC from the bank/loan for foreclosure
  • Pay the foreclosure amount to the bank and obtain documents
  • Hand over the documents to the buyer once the registration is done

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